If you're planning to upgrade your phone in 2026 and want a premium Samsung device without paying a high upfront cost, you're in the right place. Samsung continues to dominate the Android ecosystem with powerful performance, stunning displays, and industry-leading cameras. But with rising retail prices, more people are now turning to installment options—especially flexible solutions that allow payment using a debit card, not just credit cards.
CompAsia Malaysia makes this easier with our affordable range of second-hand Samsung phones and flexible ReNewNGo program, allowing you to own high-quality Galaxy devices at low monthly payments and, most importantly, no credit card needed!
Whether you're looking for top-tier cameras, powerful processors, or the best value-for-money flagship, these Samsung Galaxy models still stand out even in 2026.
1. Samsung Galaxy S24 Series: The Flagship for Power Users
The Samsung Galaxy S24 lineup remains one of the best choices for those who demand cutting-edge performance. With the latest Snapdragon chipset and enhanced AI features, the Galaxy S24, S24+ and S24 Ultra series is ideal for photography enthusiasts, mobile gamers, and productivity users.
Why choose the Galaxy S24 series in 2026?
- Brighter, more energy-efficient display
- Stronger battery optimization
- Improved camera processing & night photography
- Slimmer and more premium build
- Long software support (great for long-term use)
You can get the S24 series on a Samsung installment plan for 36 months, making it easier to own without paying full price upfront.
👉 View Samsung ReNewNGo Collection
2. Samsung Galaxy S23 Series: Best Value for Performance
The second most popular choices under the installment plan are the series of Galaxy S23, S23+, and S23 Ultra. Its excellent camera, powerful Snapdragon chipset, and long battery life make it a top pick for most users.
Why the Galaxy S23 series is still great:
- Flagship performance at a significantly lower cost
- Excellent videos and low-light photos
- Smooth 120Hz display
- Strong battery endurance
- Great long-term reliability
If you want flagship-grade performance but want to save more, the S23 series offers unbeatable value—especially under a financial program like ReNewNGo.
3. Samsung Galaxy S22 Series: Flagship on a Budget
For those looking for the balance between affordability and performance, the Samsung Galaxy S22 series continues to shine. With strong cameras, a smooth display, and a premium feel, the series of Galaxy S22, S22+, and S22 Ultra still competes with many mid-range phones today.
Why the Galaxy S22 is worth buying in 2026:
- Premium design at a lower cost
- Reliable camera performance
- Great for everyday use (social media, videos, work apps)
- Ideal for users upgrading from older Samsung models
You can get the S22 at one of the lowest monthly payments under ReNewNGo.
Why Buy with an Installment Plan?
Getting a Samsung installment plan through traditional banks or telcos often requires a credit card. Many Malaysians prefer a flexible alternative—especially an installment plan with a debit card option that doesn’t involve complicated approvals.
With CompAsia's ReNewNGo, you can:
- Get a Samsung installment plan without a credit card
- Pay monthly using any debit card
- Own your device after 36 months
- Enjoy the freedom to upgrade, downgrade, or return after 12 months
- Benefit from a 32-step quality check and an included warranty
- Shop confidently with the best-selling Samsung models available under installment plans
How the Samsung Installment Plan with a Debit Card Works
One of the biggest advantages of CompAsia Malaysia’s ReNewNGo program is that you can get a Samsung installment plan without a credit card. This makes premium Samsung phones accessible to more Malaysians.
How it works:
- Pick your Samsung model under ReNewNGo
- Apply online (simple verification)
- Pay using your debit card
- Get your phone delivered
After 12 months, you can:
- Return the device
- Upgrade to a newer model
- Downgrade to a lower installment
- Continue for 36 months to own it
Final Thoughts
Whether you’re eyeing the Samsung Galaxy S24, prefer the great value of the S23, or want the affordability of the S22 series, CompAsia gives you the freedom to own a premium Samsung device without financial stress. With this payment option, upgrading your smartphone has never been easier.
FAQs
1. What are the “Buy Now Pay Later” (BNPL) options available?
CompAsia offers BNPL-style flexibility through ReNewNGo, allowing Malaysians to pay monthly using a debit card. It works similarly to BNPL but is designed specifically for smartphones—with added benefits like warranty and upgrade/return options.
2. Can I get a 0% interest installment plan using a debit card in Malaysia?
With CompAsia’s ReNewNGo plan, you can enjoy affordable monthly payments using a debit card, without the need for a credit card. While it’s not a traditional 0% bank installment plan, the structure is interest-free and designed for predictable, fixed monthly payments.